advance loan

Need Cash? You Can Get Income Tax Loans Now

Need Cash? Get Income Tax Tax Loans Now.

It’s income tax refund time, and the big question is, are you ready to file? What if you need cash sooner than the IRS wants to send it to you? Get Income Tax Loans Now, pay them off with your refund when it comes in! It’s like borrowing money from yourself – which is only fair, since the IRS borrowed it from you all year. Whether you need money for bills, repairs, school, or even a vacation, this is a great time of year to be in that situation.

Income Tax Loans Now Offer More Flexibility and Availability Than Ever

Everyone needs extra cash, and we all have times when we need it more than other times. When it’s really urgent – when the car that gets us to work is in the shop, or our child needs prescription medication that cost more than we have in the bank – income tax loans now can get you that money as soon as the next business day. The whole process is quick – the application, approval, and getting the funds deposited directly to your bank. This is a big change for anyone who’s gone through the traditional tax loan process. Usually you have to get your return completed by the company that does the loan, then sign over your refund to them; in exchange they issue you a check for the amount of your refund minus fees and interest. You never see your actual refund because it goes to the company – what you get instead is a check that you have to go back to the office to pick up several days later, deposit to your bank, and wait for it to clear.

Bad Credit Keeping You From Borrowing Money? You Can Get Income Tax Loans Now

Our credit scores seem to be controlling more and more of our lives in recent years. If you need some cash or a line of credit and can’t get one, borrow against your income tax refund instead! There are income tax loans now available for which there is no credit check, so anyone can get one with as long as they meet the other basic qualifications. All you need to do is answer some basic informational questions, and provide some details about your employment and bank (so the funds can be directly deposited to your account) and approval will be complete within 90 seconds. Bad credit can keep you from getting a credit card, a bank loan, a new car, or even an apartment, but it can’t stop you from borrowing your income tax refund when you need it.

Income Tax Loans Now Even Easier To Repay!

Ever forget to pay a bill? We’ve all done it, and then we kick ourselves over the late fee we’re going to have to pay. With an eTaxLoan.com tax refund advance, it’s impossible to forget. Payments are automatically drafted from the same bank account the loan was deposited to, on dates agreed to as part of the original terms, so you know exactly when it will happen – on payday, when there’s sure to be money in the account. Need cash apply for a refund advance loan. Apply for Income Tax Loans Now!

Need Cash Quick? A Refund Advance Loan Might Be Just What You Need!

Get a refund advance loan and spend your refund

Unlike traditional personal loans, refund advance loans are designed to be repaid all at once, using your income tax refund. Most often they are sought in the first part of the year, when holiday bills are coming due and that annual bonus hasn’t arrived yet. Since the goal is for your refund to repay the loan, so you never have to take anything out of your paycheck for it, the amount is based on an estimate how much of a refund you’re expecting. There are a few fees involved as well, so taking them into account is important – as is having a realistic conservative view of your repayment ability.

Refund Advance Loans Are Quick and Simple to Apply for and Receive

A brief online application is all it takes to get a refund advance loan. You can apply even if you haven’t filed your tax return yet, because proof of your refund amount won’t be required – however the whole amount will be due to be repaid even if you receive less than you borrowed, so it’s wise to be prudent and realistic when making your request.

Your application will take only seconds to be approved by one of our direct lenders, and you will be presented with all the pertinent information immediately – loan amount, interest rate and total amount to be repaid, etc. The refund advance loan funds will be deposited to the same bank account that the payment will be drafted from; you should have your refund direct-deposited into that account, or deposit the check into it when it’s received, so the process is seamless and you don’t need to remember to write a check or make a phone call to repay the loan.

Let’s Talk About Refund Advance Loan Fees

Of course there are some fees associated with refund advance loans. There are no “up-front fees” with our loans, unlike some other places. The amount you borrow is the amount you get – but the fees are added onto the repayment end. The primary cost is interest, which you can expect to be higher than other types of loans because you’re paying for the speed and convenience. If the repayment funds are not in your bank account when the payment is drafted there will be a fee for that, similar to the way your bank charges you for “bouncing” a check. Finally there is what’s called a loan extension fee – if circumstances make it so you need a more time to pay back the loan, you can arrange that with the lender and there will be a fee associated with the extension.

What Questions Should I Ask Before Applying for a Refund Advance Loan?

It’s important to be informed! Borrow smart! Read the application materials, the terms and conditions, and don’t sign or agree to anything you don’t understand. Here are a few things you’ll want to ask, find out, or consider when applying for a refund advance loan:
• What is the dollar amount of the interest you will pay if you repay on time?
• What happens if you need extra time?
• What happens if you don’t get as much of a refund as you expected?
• What are the additional fees?
• What day is your repayment being drafted from your checking account?

Need Cash Quick? A Refund Advance Loan Might Be Just What You Need!, By Ray West – 3/6/15